NOBA Bank Group AB (publ) (STO:NOBA)

Sweden · Delayed Price · Currency is SEK

91.10

+3.50 (4.00%)

Sep 22, 2026, 5:29 PM CET

NOBA Bank Group AB Financials Overview

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	8,195	7,496	5,735	4,596	4,529	1,617
Revenue Growth	24.43%	30.71%	24.78%	1.48%	180.09%	15.67%
Net Income	3,802	3,412	1,999	1,187	973	-23
Earnings Per Share	7.60	6.82	4.00	-	-	-
EPS Growth	40.11%	70.58%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Other	86	36	-50	-101
Secured	651	643	652	566
Private Loans	5,492	4,902	3,589	2,927
Credit Card	1,963	1,914	1,543	1,205
Total	8,192	7,495	5,734	4,597

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	1,238	1,598	9,564	1,497	6,893	4,732
Total Debt	30,961	26,097	20,641	18,782	20,061	19,727
Net Cash (Debt)	-29,723	-24,499	-11,077	-17,285	-13,168	-14,995
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-59.37	-48.96	-22.15	-	-	-

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-2,037	-5,352	-8,560	-24,112	-6,081	-3,639
Capital Expenditures	-230	-214	-134	-75	-41	-10
Free Cash Flow	-2,267	-5,566	-8,694	-24,187	-6,122	-3,649
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	46.39%	45.52%	34.86%	25.83%	21.48%	-1.42%
FCF Margin	-27.66%	-74.25%	-151.59%	-526.26%	-135.17%	-225.66%

Dividends

Fiscal Year	Current	FY 2025
Period Ending	Sep '26 Sep 22, 2026	Dec '25 Dec 31, 2025
Dividend Per Share	1.600	1.600
Dividend Per Share Growth	0%	-
Dividend Yield	1.76%	1.41%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 22, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.53	17.26	-	-	-	-
Forward PE	9.35	13.54	-	-	-	-
PS Ratio	5.34	7.86	-	-	-	-